Contact your local Emergency Management Agency, building inspectors, surveyors, and others that may be helpful in completing damage assessments. Your local Emergency Management Agency will know the areas of flood damage.
Document Extent of Flooding Photographs and Video Note Boundaries of Inundation Note High Water Marks
Document Damage to Structures Complete a drive-by survey of the damaged structures • Site Location (address) • Water Level • Construction Type • Preliminary Damage Assessment • - low • - medium • - high
Local Permits Required for Repair or Reconstruction of Flood-Damaged Structures
Notify Public of Need for Permit for Repair/Reconstruction • Public Notification • Newspapers • Radio • Television • Direct Notification • “Red Tag” individual damaged structures • Notification letters to Property Owners
Prioritize the Damaged Structures All damaged structures should be inspected to determine whether the structures have been “substantially damaged”.
Start with those structures initially identified as “medium” damage. Next, inspect those structures initially identified as “high” damage. The structures initially identified as “low” damage should be inspected last.
Repair and Reconstruction Permit Process Determine Floodplain Status Floodway Fringe Determine Extent of Damage Structure’s Pre-Damaged Fair Market Value Cost of Repairs
Non-Substantially Damaged • Local permit needed • Must comply with flood regulations but does not meet substantial damage requirements; may be required if community has cumulative improvement requirements
Substantially Damaged • Local Floodplain Development Permit Needed • Building protection requirements apply • “As-built” elevation certification needed
Additional Permits Depending on the situation, additional permits other than the local permit may be required. • Kansas Department of Health and Environment • Army Corps of Engineers
Structure’s Pre-Damaged Value The structure’s value is the fair market value of the structure only, excluding the land • Appraisal • Bill of Sale • Insurance Settlement • Tax Assessment Records
Cost of Repairs • Materials Used • Must Use Fair Market Value • Also Applies to Materials Donated Cost of Labor • Marshall & Swift Book • Exclusions • -Debris Removal • -Clean-up • -Building Plans • -Permit Fees
Building Protection Requirements New structures or structures determined to have been substantially damaged must meet the building protection requirements of the local floodplain ordinance. • Two Options • Elevation • Dry Floodproofing (non-residential)
Elevation Must be elevated one foot above the Base Flood Elevation (BFE). An elevation certificate containing the actual constructed elevation must be obtained and a copy maintained in permit file for the structure.
Don’t overlook... • Utilities and mechanical equipment • Anchoring • Flood vents • Restricted use for enclosures • Crawl space construction
Dry Floodproofing • Only applies to Non-Residential Structures • Must be Floodproofed to the base flood elevation or 1’ above depending on regulations • Floodproofing Certificate Must be Obtained • and a Copy Maintained in Permit File
Keep copies of all flood related documentation. • Floodplain Analysis/Regulatory Assessments • Permits • Substantial Damage Determinations • Elevation certification or other “as-built” • certifications • Inventory of flood damaged structures and • other supporting documentation
The procedures used in a post-flood situation are basically the same procedures that should be used in the event of damage by other means – such as wind, tornado, earthquake, or fire.
Increased Cost of Compliance • ICC • Benefit in most Standard Flood • Insurance Policies • Can provide up to $30,000 • Substantially or repetitively • flood-damaged buildings
ICC money can be combined with other insurance benefits, disaster and mitigation assistance grants, and low-interest SBA loans to pay for the cost of “compliance”.
The local floodplain administrator determines that the structure is substantially damaged or is a repetitive loss property and issues a written declaration.
Together, the policyholder and local floodplain administrator determine the best mitigation option that complies with the local floodplain management ordinance.
Mitigation Options Elevate Relocate Floodproof (non-residential only) Demolish
Then, the policyholder may file an ICC claim through his/her insurance agent.
The policyholder can receive about half the ICC money to begin the mitigation measure. The balance of the money is paid to the policyholder when the job is complete and in compliance with the floodplain management ordinance.
COMPLIANCE Remediation of Floodplain Violations
What is a violation? How did it happen? What do we do now?
Development that has occurred within the SFHA that does NOT meet the minimum requirements of the local floodplain ordinance.
Post FIRM Residential Structures that are Located with their Lowest Floor below base flood elevation
Post FIRM Residential Structures that are Not Adequately Anchored to Resist Flotation, Collapse or Lateral Movement
Post FIRM structures with Enclosures below the bfe used for Purposes other than Parking, Access, or Storage
Post FIRM nonresidential Structures that are Not Elevated and Anchored or Floodproofed
Pre-FIRM structures that were substantially improved without meeting the building protection requirements such as elevation
Development that has proceeded without all the required permits
Post FIRM structures without Required Elevation Certificates or Floodproofing Certificates
Violator proceeded with project without obtaining permits. Intentional or Unknowingly
Violator constructed differently than the approved plans. Incorrect site information provided or site changed from submitted plans. Elevations not checked before/during construction.
Deficiencies in the local permit process... Violator was not informed adequately -- did not understand the requirements. Lack of adequate local resources, including professional staff.